Insurance or GPS tracker on toys

[MCCOHENS]

We are about ready to start some extended travel and of course have to bring the toys. Specifically a Hobie Tandem Island kayak/sailboat worth about 6K and 2 recumbent electric assist trikes worth about 2K each. They will either be locked and in the truck bed or locked to something next to the camper. I was dismayed to learn they are not covered under truck comp coverage when in the truck and not covered at all when at a campground. Even getting ebike coverage is a challenge.
So do I get separate theft/vandalism on each or put a GPS tracker in everything and hope the police will assist in recovering? Hate to be paranoid but too many stories about thefts at campgrounds have me concerned.

[amosnandy]

Originally Posted by MCCOHENS

We are about ready to start some extended travel and of course have to bring the toys. Specifically a Hobie Tandem Island kayak/sailboat worth about 6K and 2 recumbent electric assist trikes worth about 2K each. They will either be locked and in the truck bed or locked to something next to the camper. I was dismayed to learn they are not covered under truck comp coverage when in the truck and not covered at all when at a campground. Even getting ebike coverage is a challenge.
So do I get separate theft/vandalism on each or put a GPS tracker in everything and hope the police will assist in recovering? Hate to be paranoid but too many stories about thefts at campgrounds have me concerned.

Check with your homeowners insurance. Normally contents of a car or an RV are or can be covered under you homeowners or renters policy. This is if your not full-timers with none of the above.

Often you have to add a rider for specific things at a specific value. It's no different than if you want to insure a $50,000 diamond ring. You buy a rider for your homeowners.

[MCCOHENS]

No I have been working with my agent. The boat limit is 1500 and apparently it can't be raised. And ebikes are a different class and no coverage is available. I have checked with one other insurance company and both things were confirmed. One would think if an object was in the bad of a truck and locked to the truck it would be covered under comp coverage, but not so if it is an ebike and if it is a kayak the limit is 1500.

[Toby Dog]

Police departments across the country are understaffed now. The chances that they have the manpower to track and recover something that isn't bleeding is small.
I would shop other insurance companies, yours doesn't sound like it ever wants a claim.